To avoid been a victim of loosing your Bitcoin, it is better you first receive any bitcoin payment into your wallet that you can easily access and control with your password/passkey and can restore the wallet at anytime.
When you talk about a wallet you can easily access with a password and passkey, I hope you are not referring to using a centralized custodial service as the wallet because that will be a double risk, but if you are referring to wallets that enable you to protect them with extra security like a password and passkey, it will be okay, but your private key is very important as well in such a case before you can regain full access to the wallet and not just the password and passkey.